Call reports 2022
READLYN SAVINGS BANK, THE — 2022
What READLYN SAVINGS BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 141,898,000 | 143,483,000 | 138,289,000 | 133,063,000 |
| Total loans | 87,095,000 | 86,885,000 | 91,602,000 | 93,511,000 |
| Allowance for loan losses | 1,142,000 | 1,172,000 | 1,207,000 | 1,275,000 |
| Securities available for sale | 35,380,000 | 32,514,000 | 31,150,000 | 32,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,362,000 | 112,369,000 | 108,084,000 | 101,868,000 |
| Interest-bearing deposits | 89,581,000 | 91,127,000 | 88,739,000 | 80,527,000 |
| Noninterest-bearing deposits | 19,781,000 | 21,242,000 | 19,345,000 | 21,341,000 |
| Equity capital | 22,311,000 | 20,962,000 | 20,049,000 | 21,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,185,000 | 2,449,000 | 3,833,000 | 5,301,000 |
| Interest expense | 207,000 | 415,000 | 647,000 | 922,000 |
| Net interest income | 978,000 | 2,034,000 | 3,186,000 | 4,379,000 |
| Noninterest income | 31,000 | 64,000 | 95,000 | 123,000 |
| Noninterest expense | 475,000 | 994,000 | 1,455,000 | 2,028,000 |
| Provision for loan losses | 10,000 | 40,000 | 75,000 | 143,000 |
| Pretax income | 524,000 | 1,064,000 | 1,751,000 | 2,331,000 |
| Income tax | 30,000 | 60,000 | 90,000 | 114,000 |
| Net income | 494,000 | 1,004,000 | 1,661,000 | 2,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,579,000 | 24,490,000 | 24,846,000 | 25,102,000 |
| Total capital | 25,721,000 | 25,662,000 | 26,053,000 | 26,377,000 |
| Risk-weighted assets | 101,427,000 | 101,362,000 | 105,675,000 | 106,114,000 |
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